GABIA
ActiveThe computed 12-month bankruptcy probability of GABIA is 1.5% (moderate). The 2025 annual accounts show equity of €46k and a net result of €31k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 10310 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
74
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability83▲+16
Solvency100▲+22
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 3.97 against 2.11 in 2024; short-term debt: 23.8% and cash: 13.8% of total assets), and 23.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
76.2%
Return on assets
51.3%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €46k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
19 d late
2024
58 d late
2023
742 d late
2022
66 d late
2021
92 d late
2020
84 d late
2019
92 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€528k▲ 28.9%
2023 · €410k
2023: €410k
2023 → 2025
EBIT margin
7.1%▲ 7.1pp
2023 · 0.0%
2023: 0.0%
2023 → 2025
Net result
€31k▲ 24,811%
2024 · €124
2018: €4k
2019: €-3k
2020: €-6k
2021: €-4k
2022: €748
2023: €-25
2024: €124
2018 → 2025
Working capital
€43k▲ 183%
2024 · €15k
2018: €6k
2019: €9k
2020: €8k
2021: €10k
2022: €14k
2023: €15k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€410k€528k
Equity€14k-€15k▲ 5.3%€15k▼ 0.2%€15k▲ 0.8%€46k▲ 206%
Operating result€-4k-€793€30▼ 96.3%€201▲ 579%€37k▲ 18,523%
Net result€-4k-€748€-25€124€31k▲ 24,811%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18,523% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€3k
Current assets
€57k
Equity and liabilities €60k
Equity
€46k▲ 206%
Debt
€14k▲ 5.7%
The debt ratio falls from 47.4% to 23.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€39k▲
2024 · €437
Cash flow
€32k▲
2024 · €360
Solvency
76.2%▲
2024 · 52.6%
Current ratio
3.97▲
2024 · 2.11
Quick ratio
0.82▲
2024 · 0.52
Debt / equity
0.31▼
2024 · 0.90
ROE
67.3%▲
2024 · 0.8%
ROA
51.3%▲
2024 · 0.4%
Interest coverage
125.31▲
2024 · 5.68
Debt
€14k▲
2024 · €14k
Debt ≤ 1 year
€14k▲
2024 · €14k
Income taxes
€6k
Staff costs
€14k▼
2024 · €16k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€29k€60k▲
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Plant, machinery and equipment23-€2k
Furniture and vehicles24-€2k
Current assets29/58€29k€57k▲
Stocks and contracts in progress3€22k€45k▲
Stocks30/36€22k€45k▲
Amounts receivable within one year40/41€695€3k▲
Other amounts receivable41€695€3k▲
Cash at bank and in hand54/58€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€29k€60k▲
Equity10/15€15k€46k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k€19k=
Reserves13€470€2k▲
Non-distributable reserves130/1€470€2k▲
Reserves not available under the articles1311€470€2k▲
Profit (loss) carried forward14€-4k€25k▲
Amounts payable17/49€14k€14k▲
Amounts payable within one year42/48€14k€14k▲
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€1k€11k▲
Taxes450/3-€10k
Remuneration and social security454/9€1k€909▼
Other amounts payable47/48-€613
Income statement
Code20242025
Turnover70-€528k
Goods, raw materials, services and sundry goods60/61-€468k
Remuneration, social security and pensions62€16k€14k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€236€1k▲
Other operating charges640/8€3k€7k▲
Gross operating margin9900€19k€60k▲
Operating profit (loss)9901€201€37k▲
Financial charges65/66B€77€309▲
Recurring financial charges65€77€309▲
Profit (loss) for the period before taxes9903€124€37k▲
Income taxes67/77-€6k
Profit (loss) for the period9904€124€31k▲
Profit (loss) for the period to be appropriated9905€124€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€27k▲
Profit (loss) brought forward from the previous period14P€-4k€-4k▲
Transfer to equity691/2-€1k
To the legal reserve6920-€1k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 742 days late
2025
31-12
Financial
Highest result since 2018net €31k ▲24811%
Operating result €37k, net result €31k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
31-12
Financial
Back to profitnet €124
Net result €124 after one loss-making year.
2023
05-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 66 days late
2022
31-12
Financial
Back to profitnet €748
Net result €748 after 3 loss-making years.
31-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 92 days late
2021
23-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 84 days late
2020
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 92 days late
2019
02-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 63 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Sint-Gillis (bij-Brussel) · 2 establishment units since 2012
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Jourdanstraat 671060 Sint-Gillis (bij-Brussel)Ground area
296 m²
Building footprint
276 m²
Volume, LiDAR
3,739 m³
2 parcels, Brussels · tallest building 20.5 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
GABIA
since 20122.208.569.046
GABIA
since 20182.279.085.571
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21445C0262/00R029 | Brussels | 196 m² | 1 · 177 m² | 15.5 m · 4 fl. |
| 21013B0021/00V003 | Brussels | 100 m² | 1 · 99 m² | 20.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Food safety, FASFC
2 sitesElsene2.279.085.571
Sint-Gillis2.208.569.046
Similar companies · same sector, comparable size
DELINA MARKET
BE 0849.964.577
Colfontaine · Eq €46k
WAL-CO
BE 0840.399.684
Zonhoven · Eq €46k
AJK TRANSPORT
BE 0777.540.122
Anderlecht · Eq €46k
AFRICAN CORPORATE
BE 0713.818.050
Antwerpen · Eq €46k
EDAM
BE 0774.709.997
Sint-Gillis (bij-Brussel) · Eq €46k
Of 10,527 companies in sector 47110 we hold annual accounts for 5,862. 4,619 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2012
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47113Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.